i was told by a debt management co. that "tomlin orders" are usually a short length agreement such as six months to a year. also that during the period set the full amount has to be cleared. does anyone know if this is correct? my own circumstances would not allow for the debt to be repaid over such a short time, so if this is the case it would not be worth my trying to form such an agreement. at rates i could afford to offer it would take years rather than months. do you know if this would limit the usefulness of this type of agreement?